In the USA a large % of the population live in "mobile homes". These are not caravans but simply a large comfortable modular home, factory manufactured, which are technically not permanently located on a site but in reality are rarely moved. They are as good quality as any "project home" site built in Oz. You buy the house with chattel mortgage finance and you rent the land. Sites are arranged in well maintained complexes (parks) and the site operator reticulates utilities within. I have stayed with relatives in one, there is nothing cheap and nasty about them and they do not end up as ghettos. In hundreds of cities they are available for $60-$100K. Village complexes or parks are owned and operated by institional investors and if this in not shared equity, what is? What we lack is imagination and what we have is intergovernmental inertia.

Government will never become a bank to the seniors market but it does have options such as funding to private sector through AOFM, or giving a rebate to seniors who take up/maintain Private Health Insurance with Equity Release, thereby taking pressure off the Health budget and public hospital waiting times.

Relocate 'these people' and you are what?...a celestial observer? I do however agree that a move to outlying areas has value if full facilities are available. For example, a thousand people might sell their homes to finance the commencement of a small suburb near an established town or village. Americans by the way have nothing to teach us other than borrowing large sums on a simple percentage on a single payment per $1million for example for construction. They do not repay at $67500 per year.

In Australia, firstly, the taxpayer, not the Government funds these schemes. The "Crown" owns everything essentially but we, by and large, have close to un-encroachable rights. Governments are more concerned with forelock tugging to USA Israel and Asia than assisting us. They specialise in living wonderfully at taxpayer expense on local and overseas junkets where poor babies have to spend huge amounts of our cash to give masonic handshakes to other people wasting their taxpayers' cash....Bilderbergers, Summits, the usual, mindless "our prayers and thoughts are with you" funerals ....All can be done on a conference call.

Into that "screw the serf-sucker" scheme we introduce such honourable people as real estate agents and financial advisors...all, all honourable. Any scheme designed to 'assist" pensioners other than the pension will attract a downgrade of their present pension. Such schemes are run to profit the Estate agencies and the financiers....no other reason.